Which insurance covers losses from equipment breakdown, including steam boilers and refrigeration equipment?

The correct choice is focused on the specific type of insurance designed to cover losses incurred due to the breakdown of equipment, which includes critical components like steam boilers and refrigeration systems. This insurance is tailored to address the unforeseen costs associated with equipment failures, ensuring businesses can recover from such events without facing significant financial strain.

Equipment breakdown protection coverage form is explicitly structured to cover repair and replacement costs, as well as lost income due to the downtime of essential machinery. This form of insurance offers peace of mind for businesses that rely heavily on specific equipment for their operations, making it a vital aspect of risk management in industries where machinery is central to productivity.

The other options provided do not relate to equipment breakdown specifically. Errors and omissions insurance is focused on protecting professionals from claims of inadequate work or negligent actions. Employment practices liability insurance addresses issues like wrongful termination and discrimination in the workplace. Excess electronic equipment endorsements provide additional coverage on electronic devices but do not address the broader concerns of mechanical breakdowns.